After being involved in an accident with another vehicle, it is natural to try to receive compensation from the driver who hit you. In a timely manner, most people will file a claim with the negligent driver’s insurance company and try to receive benefits to help them make repairs to their car or help assist in their medical payments. But what happens if you file for a claim and the driver is underinsured?
If you were hit by an underinsured driver, you may not receive enough compensation to cover the costs of the accident. The state of New York requires you to carry valid insurance coverage, but all you need is minimum coverage. Some companies that cover just the bare minimum will cover small amounts of vehicle repair costs but will not cover personal injury damages. There is a possibility that your own insurance company will cover costs if you were hit by an underinsured motorist, but it may raise your policy, which is of no relief to you. If you have been hit, you need to contact a personal injury attorney.
By law, the state of New York only requires drivers to carry a certain amount of liability insurance coverage. As such, drivers have the option of choosing the lowest minimum insurance required by the state. Doing so, however, will effectively limit their coverage in the event that an accident occurs. The state’s insurance policy requirements are as follows:
If you were involved in an accident that was caused by an underinsured motorist, you could face substantial difficulties in any attempts that are made to recover compensation for the pain and suffering that was caused to you. The difficulty that can be experienced when an accident involves an underinsured motorist can be eased with the help of a New York City personal injury lawyer from our firm.
Although the coverage from your own insurance company can help you receive immediate help with your medical costs or vehicle repairs, it is not a benefit to you to have your policy be raised because of an underinsured motorist. It is of the utmost importance that you contact an attorney from Hecht Kleeger & Damashek, P.C., as soon as possible following an injury-involved accident. Our attorneys can help you receive compensation that you deserve from the underinsured motorist or the motorist’s insurance company. You must act within the statute of limitations though and contact us as soon as possible, so call to schedule a free case evaluation.